Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -8.3% | +0.9% | -9.3 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.2 pts |
| ROA | -1.49% | 0.65% | -2.1 pts |
| ROE | -20.5% | 4.4% | -24.9 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.9M | $25.9M | $16.1M | $2.0M | $-104K | -1.49% | 3.17% | 0.30% | 2,167 |
| Q4 2025 | $28.0M | $25.9M | $16.7M | $2.1M | $-652K | -2.33% | 3.17% | 1.75% | 2,214 |
| Q3 2025 | $28.9M | $26.5M | $17.2M | $2.4M | $-401K | -1.85% | 3.05% | 0.60% | 2,260 |
| Q2 2025 | $28.8M | $26.5M | $17.8M | $2.5M | $-303K | -2.10% | 3.02% | 0.74% | 2,316 |
| Q1 2025 | $30.7M | $28.3M | $18.4M | $2.6M | $-223K | -2.91% | 2.79% | 0.50% | 2,368 |
| Q4 2024 | $30.5M | $27.7M | $19.3M | $2.8M | $-273K | -0.90% | 2.81% | 0.57% | 2,385 |
| Q3 2024 | $33.0M | $30.3M | $19.8M | $2.9M | $-175K | -0.71% | 2.67% | 0.26% | 2,503 |
| Q2 2024 | $32.9M | $29.8M | $20.6M | $3.0M | $-88K | -0.54% | 2.76% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.49% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -20.5% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 131.5% |
Peer lists, growth filters, CSV export, CRM push.
| 2,587 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $6.6M · securities $269K
| 80.6% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Tulsa, OK, ranked 61st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 2 | $26.5M* | 0.07% | 61st |
Oklahoma: 231st with 0.02% · Tulsa metro: 70th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 2 · 2025 2